Isaca ISACA Advanced in AI Audit (AAIA) AAIA Question # 18 Topic 2 Discussion
AAIA Exam Topic 2 Question 18 Discussion:
Question #: 18
Topic #: 2
A digital bank utilizes an AI system to generate credit scores. Which of the following would BEST mitigate the risk of sudden and unexplained changes in a borrower’s credit score?
A.
Ensuring the system is periodically reviewed and calibrated by human experts to maintain stability in predictions
B.
Using only data from the last six months to one year to avoid outdated information affecting the credit score
C.
Allowing the AI to operate fully autonomously to prevent processing delays
D.
Obtaining and validating the credit scores from third-party agencies to cross-check AI-generated results
Sudden and unexplained changes in AI-generated credit scores may result from data drift, model overfitting, or lack of recalibration. According to the AAIA™ Study Guide, regular expert review and calibration help maintain model reliability and transparency, particularly in high-stakes decisions like credit scoring.
“Ongoing human oversight ensures that predictive models remain stable and justifiable. In high-impact environments, such as banking, experts must review and recalibrate AI systems to prevent opaque or unexpected behavior.”
Option B may cause the exclusion of relevant long-term patterns. C promotes risk by removing oversight. D is a validation strategy, not a stability control. Therefore, A is the best option.
[Reference: ISACA Advanced in AI Audit™ (AAIA™) Study Guide, Section: “AI Operations and Performance,” Subsection: “Model Monitoring and Recalibration Strategies”, ]
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